The American Family wildfire score letter, explained

If American Family sent you a letter about your wildfire risk score, that is Colorado law at work. The letter matters more than it looks. The number in it drives your premium, your fire-safety discounts, and potentially your renewal. This page covers what the letter must contain, what each part means, and what to check before you file it away.

Worth knowing up front. Colorado's Division of Insurance published a model notice (Bulletin B-5.56), but insurers can use their own format as long as the required content is there. So American Family's letter will not look identical to every other insurer's. The substance cannot vary. The law fixes what you must be told, whatever the letterhead looks like.

For policies renewing on or after October 1, 2026, the disclosure comes with your renewal offer. If your renewal arrived without it and American Family uses a wildfire risk score or classification on your policy, that is a missing disclosure. Request it in writing and keep a copy of the request. A missing disclosure is leverage, not a dead end.

If your letter is a non-renewal and a wildfire score or classification is the reason, the law requires that score to be stated in the non-renewal notice itself (Reg 5-1-28 § 5.D.3). A non-renewal that hides the score behind it is itself a disclosure gap.

Under C.R.S. § 10-4-124 and Reg 5-1-28, the notice has to include:

1. Your score or classification. The actual number or category American Family's wildfire model assigned to your home.
2. The primary property features that drove it. Not just "wildfire risk," but which characteristics of your home and parcel moved the number.
3. How to improve it. The fire-safety actions American Family credits, which must match the discount schedule the law requires it to publish.
4. Your right to appeal. How to contest the score, the classification, or a missing discount.
5. The clock. Once you appeal, American Family must acknowledge within 10 days and answer in writing within 30.

If any of the five is missing from your letter, note which. An incomplete disclosure belongs in your appeal.

Appeal the score and American Family is on a legal timeline you can hold it to:

• 10 days to acknowledge your appeal in writing (Reg 5-1-28 § 5.G.1).
• 30 days to answer in writing, including what they reviewed and a detailed explanation of the decision (Reg 5-1-28 § 5.G.2).
• At least 30 days for you to submit your appeal, counted from when you received the notice (Reg 5-1-28 § 5.G).
• Coverage keeps going at least 10 days past the decision if the appeal runs past your policy's expiration (Reg 5-1-28 § 5.G.2(c)).
• A win backdates. If your appeal lowers your score, the change applies back to your current policy's start date (Reg 5-1-28 § 5.G.3).
• Send proof, get re-scored in 30 days. Submit evidence of completed fire-safety work and American Family must review it and update the score within 30 days (Reg 5-1-28 § 5.D.4).

The letter states the score. What it cannot show you is whether the model's picture of your home is current. Wildfire models run on data at scale: aerial imagery, vegetation layers, roof-material inference. That is exactly why they miss recent, property-specific facts. The three most common gaps in scored letters:

• A roof replacement the model has not registered. A Class A roof is one of the heaviest-weighted features in most wildfire models. If yours went on in the last few years, check whether the letter's stated drivers reflect it.
• Stale imagery. Defensible-space work and Zone 0 clearance done since the model's last imagery pass will not be in your score. The letter's date tells you when the disclosure was generated, not when the model last looked at your parcel.
• Community fire-safety work not credited. If your neighborhood or HOA has completed recognized fire-safety work, the law lets that count. Most letters will not reflect it unless someone puts the evidence in front of the insurer.

The question that decides whether an appeal is worth your time: is there a documented gap between your home's real, current condition and the drivers listed in the letter? If yes, that gap is what an appeal is built on. If the score reflects your home fairly, the productive path is fire-safety work with grant money first, then a rescore.

No American Family notices are observed yet. As their actual notices land after October 1, we document the format here. American Family remains an active writer in Colorado wildfire-urban-interface areas with fire-safety requirements, so the discount-schedule check is especially productive here.

The same law requires American Family to publicly post the fire-safety actions it credits and what each is worth. Your letter's "how to improve" section should line up with that published schedule.

We track American Family's published mitigation discount list. Colorado law requires American Family to post one, and the moment we locate it we match it to your home. Upload your letter and we run that check for you in your free read.

Two checks worth two minutes:

1. Does the letter tell you where the schedule is published? We track who has posted theirs on our carrier schedule index. If we have not yet located American Family's published schedule, the index shows the latest check.
2. Have you already done items on that list, and is the discount showing on your policy? Documented work you have completed must be credited against the insurer's own published values. Holding an insurer to its own list is the cleanest appeal there is.

You can do it yourself. We wrote a straight guide to exactly that, including where DIY holds up and where it does not: Should I appeal my wildfire score myself? The short version: the appeal succeeds or fails on evidence, and evidence works when it is dated, signed, tied to your parcel, and organized into the categories Colorado's regulation requires insurers to accept (Reg 5-1-28 § 5.G.5). Phone photos are a start. Documentation built to the evidence standard is what changes the submission.

Once you send your appeal, the deadlines are American Family's to meet, not yours to chase: 10 days to acknowledge, 30 days to answer in writing. If you win, beneficial changes apply retroactively to your current policy's effective date, not just next renewal.

Curious what documented mitigation actually gets credited? Our mitigation credit map shows the real filed discounts, and what they apply to.

Upload the letter (photo or PDF) and we read it for you: your score in plain English, what the disclosed drivers mean, whether the required parts are all there, and a straight verdict. Worth contesting, or not worth contesting and here is what is. Free, in minutes. No insurer pays us to say yes.